| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TPKE, SUITE 270 SYOSSET, NY 11791 | BLUECROSS BLUESHIELD OF IL | $75K | $0 | $75K | 5.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | BLUECROSS BLUESHIELD OF IL | $23K | $0 | $23K | 1.61% |
| JAMES GNASTER3 | 317 AUSTIN AVE PARK RIDGE, IL 60068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.42% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS, INC. | 6851 JERICHO TPKE, SUITE 270 SYOSSET, NY 11971 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 8.77% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE TOLEDO, OH 43604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 4.45% |
| JAMES GNASTER3 | 317 AUSTIN AVE PARK RIDGE, IL 60068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 22.91% |
| JAMES GNASTER3 | 317 AUSTIN AVE PARK RIDGE, IL 60068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $489 | — | $489 | 9.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $72K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $72K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $73K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $27K |
| Prescription drug | BLUECROSS BLUESHIELD OF IL | 128 | $1.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.